Pre-Built Standard Attributes
Evaluating consumer applications and making a smart lending decision requires the right consumer information, used in the right way. Zoot has identified the information needed in evaluating an applicant for a lending product; for example, the number of 30 days past due or a bankruptcy indicator.
To save your institution time and money, Zoot has developed a set of over 500 industry-standard, pre-built, pre-tested credit attributes that are immediately ready to deploy. Zoot maintains and edits the attributes for each credit bureau version update through an ASP environment, so you don’t have to.
The attribute set was designed with our expertise gained working with leading U.S. banks. To ensure unbiased results, the attributes were also developed independent of credit bureau influence. All have been tested through Zoot's extensive quality assurance process to consistently meet client and industry specifications.
Most of Zoot’s clients use the attribute set as a foundation, and then have Zoot create additional custom attributes to meet the institution’s unique decisioning requirements. The attribute set allows our clients to quickly evaluate new decisioning logic using Champion/Challenger comparisons.
Contact Zoot at (406) 556-7555 or fill out our information request form today!
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